Health Coverage By the Numbers

Job-based health insurance is the largest single source of health care coverage in the U.S. 1.) Employer-sponsored insurance covers more than 157  million workers and their dependents. 2.) The next largest source of coverage, Medicaid, insures less than half as many,...

MEDICARE PANIC SETTING IN AS EMPLOYEES APPROACH 65th BIRTHDAY??? LET’S CLEAR UP THE CONFUSION ABOUT INITIAL ENROLLMENT

Can’t tell you how many calls and emails we get from panic-stricken employees nearing that magic 65th birthday and Medicare eligibility.  It happens a lot.  A whole lot. Some folks think if they don’t sign up three months before they turn 65 they’ll be in trouble....

Definition of Predicament: People Who Don’t Have Access to Employer Coverage, Aren’t Medicare Eligible, and Don’t Qualify for Subsidies

Yes, this is a bit anecdotal. Nevertheless, I think it’s  worth reporting and some may find it interesting. First, recently our team managed the annual open enrollment process for the group health plan of one of our employer clients. After a quick but thoughtful...

The HHS Move to Curtail the Availability of Short Term Health Coverage Will Hurt Consumers In Need of an Affordable Bridge To Other Coverage……

………Like Medicare or Other Employer-Sponsored Coverage. Yesterday the Obama Administration and HHS announced they were significantly curtailing the availability and use of short-term health insurance. Their reasons? Not exactly sure. Maybe it’s due to the myriad of...

Letters From CMS (Medicare) to Employers Regarding Group Health Plan Reporting Are Causing Some Confusion

Many employers are receiving letters from CMS (Medicare) requesting information and it’s causing some confusion. The actual title of the letter reads “Requirement to Submit the Group Health Plan Report for the IRS/SSA/CMS Data Project”. Here’s an overview that may...